Despite a 35% year-to-date decline, SoFi Technologies shows strong fundamental momentum with record loan originations and upwardly revised 2027 earnings estimates, positioning the stock for a potential recovery toward $25.
SoFi delivered record originations, raised guidance, and has rising 2027 EPS estimates, supporting a bull case toward $25 despite current share weakness.
SoFi Technologies shares are down 35% year-to-date, yet the company is posting record quarterly originations and consistent earnings beats. With 2027 EPS estimates rising five times in the last month and a robust 42% revenue growth rate, analysts see a potential path for the stock to reach $25 as the firm scales its capital-light fee revenue model.
Reaching the $25 price target depends on continued earnings beats, sustained growth in loan originations, and the successful scaling of capital-light fee revenue streams like SoFi Plus and new banking products.